Thanks for the clarification. Upon further reflection I think you are right. I think all Banreservas does is give you a receipt for payment of the Certificate. But I already have that. The government website quickly charged my ATM card and issued me a receipt before advising me that they would not issue a Certificate because my cedula is invalid.
In addition to dealing with the complications of an expired cedula, I see that this residency renewal procedure is getting very expensive. The fees have increased for everything. I added up the cost of the application fee, the application late fees, the repatriation insurance, the Certificate of Good Conduct, the cedula fee, the cedula late fees, the cost of gas and tolls, and the cost of a modest hotel room for 1 night. Everything totals about 28,000 pesos. And that's just for 1 year. And then add to that the cost of a return trip to Santo Domingo when they advise you that the application documents that they previously accepted are no longer acceptable because they changed their requirements (yes, that has happened). I'm not sure what the latest overstay fine schedule looks like but I'm sure it's a fraction of that amount. Like I said earlier, I need to reconsider the wisdom of this whole residency issue.